Mortgage lending in Bowie County, Texas
Lenders in Bowie County, Texas reported 2,690 mortgage applications for 2025, according to the CFPB.
2,690 mortgage applications and 1,417 loans originated in 2025; the denial rate was 29.1% of 2,200 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Texarkana, TX-Texarkana, AR HUD Metro FMR Area.
- 2,690
- Applications
- 1,417
- Loans originated
- 29.1%
- Denial rate
- 641 denied of 2,200 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,690 | 1,417 |
| 2024 | 2,541 | 1,330 |
| 2023 | 2,453 | 1,274 |
| 2022 | 3,040 | 1,703 |
| 2021 | 3,811 | 2,211 |
| 2020 | 3,808 | 2,287 |
| 2019 | 2,619 | 1,616 |
| 2018 | 2,331 | 1,402 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Red River Employees Federal Credit Union | 105 | 132 |
| Mortgage Financial Services | 91 | 113 |
| State Bank of De Kalb | 87 | 99 |
| United Wholesale Mortgage | 77 | 113 |
| Rocket Mortgage | 61 | 92 |
| Farmers Bank & Trust | 61 | 68 |
| Mortgage Research Center | 58 | 104 |
| Cadence Bank | 55 | 85 |
| Fairway Independent Mort Corp | 54 | 83 |
| 21ST Mortgage | 54 | 231 |
| Highlands Residential Mortgage, Ltd. | 40 | 45 |
| Texar Federal Credit Union | 36 | 41 |
| Guaranty Bank & Trust | 35 | 38 |
| Guild Mortgage Company | 35 | 53 |
| Regions Bank | 29 | 85 |
| Vanderbilt Mortgage and Finance, Inc | 27 | 172 |
| Commercial National Bank of Texarkana | 26 | 30 |
| Bodcaw Bank | 25 | 28 |
| SWBC Mortgage Corporation | 24 | 25 |
| Diamond Bank | 21 | 21 |
| American Financial Resources LLC | 18 | 22 |
| Pennymac Loan Services LLC | 18 | 39 |
| Simmons Bank | 17 | 22 |
| FirstTrust Home Loans | 16 | 24 |
| Triad Financial Services, Inc. | 12 | 136 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 38 | no rate: base under 50 |
| Black or African American | 413 | 46.4% of 319 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,692 | 26.8% of 1,407 decided |
| 2 or more minority races | under 10 | |
| Joint | 57 | no rate: base under 50 |
| Race Not Available | 468 | 21.3% of 381 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 144 | 28.1% of 121 decided |
| Not Hispanic or Latino | 1,927 | 29.9% of 1,579 decided |
| Joint | withheld | |
| Ethnicity Not Available | 550 | 25.3% of 439 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 888 | 31.7% of 710 decided |
| Female | 542 | 41.1% of 455 decided |
| Joint | 933 | 24.3% of 768 decided |
| Sex Not Available | 327 | 15.7% of 267 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1653 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved